I got a cold offer of $32k for my 2017 SR5 Premium with 58k miles. I replied that they were well below the market rate.
If they bother to ask me what I want, I'll offer 44,625 OTD for a TRD Premium. That would lower my payment and only extend the loan 18 months.
I'm not holding my breath...
Never negotiated the price and the financing together. Agree on a price first. Only then do you let him run your credit to see if he can beat what your bank is giving you. Linking the two is unethical.
That said, if it's still cheaper, take the best deal. But watch the paper work very carefully.
The one-party, all-party statutes apply to phone calls. The theory behind all-party is someone talking on the phone has an expectation of privacy. The laws were written before mobile phones.
Putting a camera in a car or your home doesn't come under this. If it did, nanny cams would be illegal...
On my first overnight backpacking trip I took two changes of clothes. One to sleep in and one for the next day. It's the outdoors equivalent of taking your first baby to the ER because he's got a 103-degree fever. The experts just roll their eyes at you.
I do still take clean underwear for...